How to use Chase Sapphire Reserve travel points


The Chase Sapphire Reserve® offers a variety of luxury benefits, such as airport lounge access, travel protection and the ability to earn transferable travel rewards, but it also comes with a hefty annual fee of $550. Thankfully, you can recoup more than half of that cost thanks to the card's easily redeemable travel points, which can provide up to $300 in value each year.

If you've ever wanted to sign up for the Chase Sapphire Reserve, now might be the perfect time to give in. This bonus is 25% higher than the standard offer, making it one of the best travel credit cards.

How to Maximize Chase Sapphire Reserve Travel Points

Chase Sapphire Reserve®

  • award

    Earn 5x your total points on flights and 10x your total points on hotels and car rentals when you purchase travel with Chase Travel℠ now after you spend your first $300 on travel each year.Earn 3x points on other travel and dining, 1 point per dollar on all other purchases, plus 10x points on Lyft rides through March 2025

  • welcome bonus

    Earn 75,000 bonus points when you spend $4,000 in purchases within the first 3 months of account opening. Redeem through Chase Travel℠ and get $1,125 in travel credits.

  • annual fee

  • Annual interest rate introduction

  • regular annual interest rate

  • Balance transfer fee

  • foreign transaction fees

  • need credit

read our Chase Sapphire Reserve® Review.

Earning annual travel points with the Chase Sapphire Reserve couldn't be easier – just use your card to make qualifying travel purchases, and the first $300 will be credited to your account as statement points. Unlike many other cards with similar offers, you don't have to make these purchases through a specific website or rewards portal to earn points.

This card offers great rewards on travel purchases, but points are not earned on the first $300 of travel purchases. Frankly speaking, this is a small sacrifice for the chance to reimburse more than half of the annual card fee. Per the card's terms, bill points will be posted to your account the same day the qualifying travel purchase is posted.

Flights and hotel reservations are just the beginning of the transactions that qualify for this point. Here are some purchase categories that should count toward your $300 annual credit:

  • aviation
  • hotel
  • Motel
  • timeshare
  • car rental agency
  • cruise line
  • travel agency
  • Discount travel website
  • campsite
  • train
  • bus
  • taxi
  • Luxury car
  • ferry
  • Toll bridges and highways
  • Parking lots and garages

Whether a purchase triggers a travel credit depends on how the merchant codes the transaction. While this shouldn't be a common problem, certain travel services purchased as part of a package deal may not be eligible for points.

You can add Authorized Users to your Sapphire Reserve account for $75 per person per year, and Authorized User purchases will trigger points. However, there is still only one travel point per account (not per card). So, if the primary account holder spends $300 on travel on their card, and an authorized user spends $300 on travel, only the first $300 of total travel purchases will be reimbursed.

Sapphire Reserve travel points reset each card membership year, not the calendar year. If you want to know how much of your credit limit you've used, you can call the number on the back of your card, or easily find the information online on your Chase Ultimate Rewards® account page.

The American Express Platinum Card® is a leader in providing travel points to cardholders. However, points with Amex Platinum may require registration or activation, which puts a barrier between you and your points, whereas there is no such barrier with Sapphire Reserve. That means you can earn over $1,000 in returns per year using this card on purchases like air tickets, digital entertainment, restaurants, CLEAR memberships, and more. Terms apply.

American Express Platinum Card®

  • award

    Earn 5x Membership Rewards® points on flights booked directly with an airline or American Express Travel on purchases up to $500,000 per calendar year; earn 5x on prepaid hotel bookings through American Express Travel x Membership Rewards® points; earn 1x points on all other qualifying purchases

  • welcome bonus

    You'll earn 80,000 Membership Rewards® points after you spend $8,000 in qualifying purchases on your new card within the first 6 months of becoming a card member. Apply and choose your favorite metallic card design: Classic Platinum, Platinum x Kehinde Wiley or Platinum x Julie Mehretu.

  • annual fee

  • Annual interest rate introduction

  • regular annual interest rate

  • Balance transfer fee

  • foreign transaction fees

  • need credit

read our American Express Platinum Card® Review.

Bank of America Altitude® Reserve Visa Infinite® Card

learn more

Information regarding the US Bank Altitude® Reserve Visa Infinite® Card is independently collected by Select and has not been reviewed or provided by the card issuer prior to publication.
  • award

    Earn 5x points on prepaid hotel and rental car bookings through the Altitude Rewards Center; 3x points per $1 on eligible travel and mobile wallet purchases

  • welcome bonus

    Earn 50,000 bonus points (worth approximately $750 in travel expenses) after spending $4,500 in purchases within 90 days of account opening

  • annual fee

  • Annual interest rate introduction

  • regular annual interest rate

    22.24% to 29.24% (variable)

  • Balance transfer fee

    3% of each transfer amount, minimum $5

  • foreign transaction fees

  • need credit

See rates and fees, terms apply.

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The Chase Sapphire Reserve offers a ton of luxurious benefits, but along with those benefits comes a hefty $550 annual fee. However, it has an easy-to-use annual travel credit that allows card members to earn up to $300 back on qualifying travel purchases each card anniversary year.

At CNBC Select, our mission is to provide readers with high-quality service news and comprehensive consumer advice so they can make informed decisions with their money.per credit card Review based on rigorous reporting from our team of expert writers and editors with extensive credit card knowledge. While CNBC Select earns commissions from affiliate partners through many offers and links, we create all content without input from our commercial team or any outside third parties We are proud of our journalistic standards and ethics .

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For American Express Platinum Card® rates and fees, click here.

Editor’s note: The opinions, analyses, reviews, or recommendations expressed in this article are solely those of Select's editorial staff and have not been reviewed, approved, or otherwise endorsed by any third party.





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